31249 Avenue DBig Pine KeyFL33043
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 31249 Avenue D, Big Pine Key, FL, 33043 in Big Pine Key speaks for itself: 10.34% gross on a $425,000 price, generating $3,661/mo in rent and $841/mo in net income after the $1,911/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,090 stacks alongside $117,420 in projected five-year appreciation and $3,914/yr in principal reduction. Projected total cumulative return: $216,083.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $841 | $250 |
City averages based on Big Pine Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,661 |
| Total Monthly Debt Service | $2,651 |
| DSCR Ratio | 1.38x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 1986
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33043, Big Pine Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,297 (100%) |
| Owner Occupied HU | 1,804 (54.7%) |
| Renter Occupied HU | 453 (13.7%) |
| Vacant Housing Units | 1,040 (31.5%) |
| Median Home Value | $634,941 |
| Average Home Value | $713,442 |
Housing Distribution
Address Breakdown
Residential
2,787
Single Family
2,735
Multi-Family
52
Businesses
301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Manufactured
Built in 1986
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33043, Big Pine Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,297 (100%) |
| Owner Occupied HU | 1,804 (54.7%) |
| Renter Occupied HU | 453 (13.7%) |
| Vacant Housing Units | 1,040 (31.5%) |
| Median Home Value | $634,941 |
| Average Home Value | $713,442 |
Housing Distribution
Address Breakdown
Residential
2,787
Single Family
2,735
Multi-Family
52
Businesses
301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christina Noel Davis • Coldwell Banker Schmitt RE Co. Lower Keys Office
Mls Name: FLKMLS
Mls Provider:
Mls ID: #613260
Disclaimer: MLS Internet Data Exchange (IDX) information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the Florida Keys Board of Realtors.